Ruth Emery
Ruth is an award-winning financial journalist with more than 15 years' experience of working on national newspapers, websites and specialist magazines.
She is passionate about helping people feel more confident about their finances. She was previously editor of Times Money Mentor, and prior to that was deputy Money editor at The Sunday Times.
A multi-award winning journalist, Ruth started her career on a pensions magazine at the FT Group, and has also worked at Money Observer and Money Advice Service.
Outside of work, she is a mum to two young children, while also serving as a magistrate and an NHS volunteer.
Latest articles by Ruth Emery
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11 reasons you need to register for self-assessment before 5 October
There are lots of reasons why you may need to register for self-assessment. But you’ll need to act fast to meet the 5 October deadline
By Ruth Emery Last updated
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Revealed: the investment platforms that pay less than 2% interest on cash holdings
News Do you know how much interest the cash balance in your investment portfolio, ISA or pension earns? We lift the lid on the best and worst interest-payers - and what you can do about it.
By Ruth Emery Last updated
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Autumn Budget: how to protect your wealth from Labour
Keir Starmer has warned that the Budget will be "painful". We look at what you can do now to shield your money from Labour
By Ruth Emery Last updated
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Why you should write a will – and how to do it for free
Most of us haven’t written a will. But it's one of the most important things you can do for yourself and your loved ones
By Ruth Emery Last updated
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Retirees lose out on £13,000 by not shopping around for best annuity deal
Pensioners are potentially missing out on thousands of pounds worth of income in retirement by failing to shop around. We explain how to get the best annuity deal
By Ruth Emery Last updated
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ISAs vs pensions – which is better for retirement?
Advice As ISAs become more popular, it's worth comparing them against pensions in terms of which is better for saving for retirement
By Ruth Emery Last updated
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State pension errors: HMRC contacts thousands of women over missing payments
News HMRC has sent out 325,000 letters so far. The average underpayment is £5,400 - could you be affected?
By Ruth Emery Last updated
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Government urges families to track down £1.4 billion in forgotten child trust funds
Features More than 670,000 young people could have £2,200 sitting unclaimed in their CTF account. We look at how to track down a lost CTF and how to make the most of your savings
By Ruth Emery Last updated
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How to set up a pension if you're self-employed
Features Three-quarters of self-employed workers are not paying into a pension, meaning millions of people could be woefully unprepared for retirement. We explain the different pension options and reveal the best providers
By Ruth Emery Last updated
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What is the pension lifetime allowance?
Analysis The lifetime allowance was scrapped by the previous government, but could Labour resurrect it? We explain how the allowance works - and whether it could make a comeback
By Ruth Emery Last updated
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Will Labour raise the state pension age?
A government in need of cutting expenditure could be tempted to hike the state pension age. We look at whether it could rise higher and faster than currently planned
By Ruth Emery Published
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Make higher earners pay more into their pensions, says IFS
The think tank warns that up to 40% of employees are not saving enough for retirement - and says middle and higher earners should contribute more to their pensions
By Ruth Emery Published
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Gold price hits record high – could it soar higher?
The gold price has reached a new all-time high and is approaching $2,600. We look at what’s next for the yellow metal and how to invest in gold
By Ruth Emery Last updated
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Major lenders reduce time window to lock in new mortgage deal - are you affected?
Mortgage customers now have less time to select a new mortgage rate when their current deal expires. We have all the details
By Ruth Emery Published
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RICS: Buyer demand and sales surge - but how could the Budget affect the housing market?
The Royal Institute of Chartered Surveyors reports a positive shift in the UK property market, but adds that next month’s Budget is “keeping the mood in check”
By Ruth Emery Published
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Retiring abroad: What to consider, from tax to pensions
The high cost of living makes many people consider retiring abroad. We look at what you need to consider, including tax and pensions.
By Ruth Emery Last updated
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NS&I cuts interest rates on British Savings Bonds
NS&I has reduced the rates on its two-year, three-year and five-year fixed-term savings accounts. Could a cut to the Premium Bond prize rate be next?
By Ruth Emery Published
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State pension will rise by £460 in April wage data suggests
Triple lock will result in an above average rise in pension payments next year after wages increased by 4%
By Chris Newlands Published
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Why raising capital gains tax could reduce revenue for the government
A hike in CGT is predicted in next month’s Budget, but such a move could lower the amount of tax raked in by the government. We look at why this could happen
By Ruth Emery Published
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Will Labour introduce a retirement tax?
Rishi Sunak said a Labour government would subject the state pension "to a retirement tax”. Is this claim true? And what else could Labour do to pensions?
By Ruth Emery Last updated
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Parents face 5% premium on properties near top primary schools
Figures show that parents are paying an extra £21,215 to buy a home in their preferred catchment area - and the private school fees hike could increase the premium further
By Ruth Emery Published
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Credit card providers slash 0% balance transfer deals
Customers face a double whammy of record-high APRs and shorter 0% balance transfer periods. We look at what’s going on in the credit card market
By Ruth Emery Last updated
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UK holidaymakers will have to pay €7 to visit the EU next summer - how will the EU visa waiver scheme work?
The EU is planning to introduce a visa waiver for some non-EU citizens. We look at how the scheme will work, how to apply, and if anyone is exempt
By Ruth Emery Published
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The best-performing stocks and shares ISAs over 25 years
We reveal the best-performing stocks and shares ISAs from the past 25 years, and how much those funds and investment trusts would be worth now
By Ruth Emery Last updated